Auto Insurance In Mississippi

Reader’s Question:

I have a teenage son who just had his Learner’s permit. Do I have to add them in my auto insurance Mississippi?

Connie

Jackson, MS

If you have a child whose learned how to drive and is driving your car, he too should be covered by your auto insurance Mississippi. To do so, you have to add them to your policy so your carrier will cover him in case anything happens to him or to your car while driving. A part of your insuring contract was to notify your carrier within 30 days of any risk associated with your policy. This includes of course your son having to drive your vehicle. The reason why you have to is to ensure your claims in case anything happens. Failure to do so will result to misrepresentation; therefore, the company has all the right to deny your claims of covering your loss and damages in this event.

Still, some states require you to get your child covered under your auto insurance policy in Mississippi until he is not of legal age. When he reaches legal age however, and has his license you should add him as a regular driver on your policy so if such situation arises, your carrier will cover the expense for the damage and injury incurred at the time. But by the time he reaches legal age and is regularly driving your car under your policy, you can expect higher premiums. Keep in mind that the higher the risk, the higher the premiums. However, not all insurance companies deemed young drivers as a risk. You can still lower your premiums if you enroll your son to driving education and overall, it also helps if he has a clean driving record.

Tags: Auto Insurance, automobile, teen insurance